Enjoy higher earnings while having greater access to your funds.learn more
Because we are 100% committed to providing the best savings experience. We offer market-leading rates, with no promotions or teasers. And no fees for anything. Plus we're FDIC-insured^. Smarter, simpler savings. period.
We offer an Online Savings account in addition to Online Certificates of Deposits (CDs) with some of the best rates available in order to help you earn more and achieve your savings goals.
We are a digital, online only bank. We designed our business to minimize our costs, which means we are cashless, paperless and have no physical bank branches. Instead of pocketing these savings for ourselves, we have committed to consistently offer our customers some of the best rates available.
That's right! Unlike most banks, Citizens Access charges zero fees, no account opening or maintenance fees, no ancillary service fees. No fees for anything.
No branches allows us to deliver you some of the best rates available, but being a digital bank doesn't mean you can't access your funds. Simply link your account to your account(s) at other financial institutions and set up a one-time or recurring electronic transfer (transfer restrictions apply) or, if you prefer, you can also call us and request a check made out to you.